Easy Bridge Loan – Bridging Finance NZ

Need a Bridging Finance solution? Struggling with the timing of buying a new house before you’ve sold your current home? Our Bridging Finance NZ offers a seamless solution, ‘bridging the gap’ between two home loans when buying and selling at the same time. As a proud NZ-owned and operated company, we specialise in short-term bridging loans that ease the financial strain during the sale of your existing home. Whether you’re juggling a current loan or anticipating the sale proceeds, our bridging loans ensure you never miss a beat in the fast-paced property market. Let us help you navigate this transitional phase with ease and confidence.



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Second Mortgage Repayments

Use our second mortgage finance calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across 48 months. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.

Short term bridging finance NZ

Bridging finance offers a seamless solution for those buying a new house before selling their existing one, effectively ‘bridging the gap’ between two home loans. Whether it’s open bridging for flexibility or closed bridging with a set loan period, our short-term loans cater to your needs. These interest-only loans, subject to variable interest rates, provide the capital you need to purchase a new property without the immediate pressure of selling your current home. Ideal for property investors and homeowners alike, our bridging loans ensure you can settle on your new purchase while waiting for the sale of your existing property, offering a strategic approach in the loan market.


Bridging Finance for Property

A common scenario is that you’ve found your dream home but you’re still waiting to sell your current house, and you can’t apply for another mortgage until you have the cash for the deposit on your dream home. If this sounds like you, a bridging loan from Quick Loans could be just what you need.

If you need short-term bridging finance to assist your business cash position, Quick Loans can help with this too. Cash-flow is often the challenge in business, and if you’re a small business owner waiting for customers to pay their invoices so that you can settle on the purchase a new piece of equipment, you could consider our bridge lending.

Our quick and convenient online service means you can buy with confidence. We approve your loans ultra quickly, subject to the responsible lending code and affordability. Apply for a bridging loan today, and we can assess, approve, and have your loan in your account within 24hrs, often even sooner.

Bridge loans from $1,000 to $500,000

Bridging finance for property is often to lend you the finds for the deposit on a new home while you’re waiting for your existing home to sell. We’re a private lender offering bridging financing, and this means there’s a lot less hurdles and red tape in comparison to approaching a bank.


  • Interest rates from 9.95%
  • No early settlement fee
  • No minimum term
  • 100% online application
  • Fast response confirmation
  • Flexible criteria

Quick Loans Responsible Lending Approach

Take out a bridging loan with us, and you’ll get personal service from an experienced lender who’ll focus on your ability to repay a loan now and not your past credit history. You’ll get a loan with a competitive interest rate and flexible repayments to suit your budget and cash flow.

Apply now by completing our simple online application form. We’ll get back to you within 60 minutes (during business hours) to let you know how Quick Loans can help you achieve your goals with our short term finance options while you wait for your own funds to arrive.

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If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

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Bridging Loan FAQ’s

How can I apply for a bridging loan?

You can apply for a bridging loan online or in person at our office in Christchurch. If you’re buying a new property, your old property will act as the security, so often, it’s an easy process.

How much can I borrow with a bridging loan?

With bridging finance for property, we lend up to half a million NZD as the deposit on your new home loan. The amount we will approve for you is calculated based on the value of the security (your existing property) you have. If you’re not wanting bridging finance for property, you can borrow up to $80,000 with a bridging loan for equipment or business requirements.

What are Quick Loans lending criteria?

  1. You must be able to offer something as collateral or security for all loans. We only offer secured loans. We will consider most things; vehicles, boats, or property or land. If you don’t have any security, we are happy for a friend or family member to act as your guarantor to provide security on your behalf.
  2. You need to be over 21 (unless you have a suitable guarantor who is over 21).
  3. You should have a reasonable credit history.
  4. You must be able to make the payments on your loan.
  5. You must live in New Zealand and be a New Zealand resident or a New Zealand citizen (or have guarantors who are).

How do I make loan repayments?

You can make monthly, fortnightly, or weekly payments via direct debit on a regular date that suits you. We can structure repayments for loans secured against assets such as vehicles for up to four years and up to five years for loans secured against property or land.

Can I get a payment protection plan in case I don’t make my loan repayments?

Yes, we recommend that you get a payment protection plan against your bridging loan for peace of mind.

What happens once you approve the bridging loan?

  1. We prepare the loan paperwork, and you have to sign it. Most loan paperwork can be signed electronically from your home or work.
  2. Please note, we will need to provide your photo ID before the paperwork is signed off.

How much would my repayments be and what are the terms and conditions?

Bridge loan repayments can be calculated by using our online calculator, but because the purchase of a house is a higher value than other transactions, it’s likely we give you a better interest rate. Please call us to discuss after submitting your online application, so we have all of the important details. If you’d like to view our terms and conditions, in detail, please follow this link.

Do I have to accept the money straight away?

No. Although most people prefer to get their money straight away, your loan approval is valid for 14 days once approved.

Are there any fees or costs if I change my mind before accepting?

There are no penalties, fees or costs if you change your mind about accepting the loan before signing the agreement.

What if I need to borrow more money once a loan is approved?

Once you’ve built up a good payment record with us (usually after three months of payment history), you may be offered or qualify for loan top-ups.

Who is eligible for bridge financing?

Anyone in New Zealand who needs to purchase a new property while waiting for the sale of their existing property can apply for this type of loan. This includes homeowners, property investors, and developers.

How much can you borrow with bridge finance?

The amount you can borrow will depend on the value of the properties involved. Typically, bridge loans are for amounts between $50,000 and $1,000,000.

What are the repayment terms for this type of financing?

Bridge loans are usually short-term loans with repayment terms ranging from 6 to 12 months.

What fees are associated with the bridging of finance for a property ?

There are several fees associated with this type of financing, including application fees, valuation fees, legal fees, and early repayment fees. It’s important to factor in these costs when considering this type of loan.

How long does it take to complete and approve an application for this type of loan?

Assuming you have current valuations of both properties from independent, qualified sources, the time it takes to complete and approve an application for this type of loan is usually between 48 hours to 14 days..

What happens if the existing property doesn’t sell before the loan is due?

If the existing property doesn’t sell before the loan is due, you may be able to extend the loan or refinance. However, this may come with additional fees and interest.

What happens if the existing property is sold before the loan is due?

If the existing property is sold before the loan is due, you can use the proceeds from the sale to repay the loan. Depending on the terms of the loan, you may be able to save on interest and fees by repaying the loan early.